Search found 2194 matches

Return to advanced search

Re: Amazon Prime Is $72 Tomorrow for New Users

I let the "vampire expense" bite me and signed up for Prime today. In addition to the free 2-day shipping for $30 stuff I might buy occassionally, I'm hoping the wife will take advantage of the Kindle First benefit (two pre-release books a month) and the Kindle Lending Library. And an occa...
by BigFoot48
Sat Jan 24, 2015 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Is $72 Tomorrow for New Users
Replies: 27
Views: 2783

Re: Surviving the Tax Bite of RMD Withdrawals in Retirement

Looks like we may be in this situation in the future. We are 50 now. Roughly $1.5M in pre tax accounts, $2M in taxable. Fairly higher tax bracket. Should we be maxing Roth 401k, not traditional? Any good models out there to run scenarios? Use my model to see the impact of Roth conversions on Federa...
by BigFoot48
Sat Jan 24, 2015 11:52 am
 
Forum: Investing - Theory, News & General
Topic: Surviving the Tax Bite of RMD Withdrawals in Retirement
Replies: 71
Views: 5080

Amazon Prime Is $72 Tomorrow for New Users

We buy a lot of stuff from Amazon and always get free shipping but I'm wondering if two-day, along with all the other benefits of Prime such as Kindle book lending library (wife reads a lot) is worth it, especially at this one day price? Normal one year price is $99. http://deals.kinja.com/amazon-pr...
by BigFoot48
Fri Jan 23, 2015 5:12 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Is $72 Tomorrow for New Users
Replies: 27
Views: 2783

Re: Retirement in Arizona - Seeking Advice

BigFoot you are a God...or at least a minor deity! I had been looking on the "Dell Webb" Sun City websites. :oops: By the way, we have included Tucson in our future-home-search trip. Thank you. Ah shucks, you are too kind. The Del Webb corp has been swallowed up by Pulte Homes but the nam...
by BigFoot48
Fri Jan 23, 2015 9:40 am
 
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 66
Views: 4059

Re: Retirement in Arizona - Seeking Advice

In fact, upon checking the other Sun City locations, I found no info re the cost of golf for residents at those locations either. Don't understand why they make it so difficult to determine the cost of such an important activity. Sun City West golf prices ($26-$43 - seems reasonable and the courses...
by BigFoot48
Fri Jan 23, 2015 8:16 am
 
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 66
Views: 4059

Re: Retirement in Arizona - Seeking Advice

I much prefer AZ heat to FL humidity. I once flew out of Sky Harbor and shortly later they closed the airport because is was 122F and their charts that dictated takeoff settings (IIRC) didn't go that high. Later that day one of our home AC units failed and my wife was not too happy. Tucson is about ...
by BigFoot48
Thu Jan 22, 2015 9:58 am
 
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 66
Views: 4059

Re: Retirement in Arizona - Seeking Advice

BigFoot48 - thanks for sharing. In your opinion, comparing Scottsdale and Tucson, which town has the better mountain views? Also, can you explain why you prefer Tucson over Scottsdale? There's no doubt that Scottsdale is one of the great cities to live in, but it's become expensive to own a home th...
by BigFoot48
Thu Jan 22, 2015 8:55 am
 
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 66
Views: 4059

Re: Retirement in Arizona - Seeking Advice

Bustoff wrote:I don't know if this is realistic but I was hoping we could find a place somewhere between $250-$350.

You could have a house on a golf course for that in Sun City West.
by BigFoot48
Wed Jan 21, 2015 6:33 pm
 
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 66
Views: 4059

Re: Retirement in Arizona - Seeking Advice

Our electric bill is $600-$700/yr at $0.11kWh. That's pretty good. Your place must be pretty energy efficient. My bills are quite a bit more in Las Vegas at about the same rate. I'm sorry, I was reading the heating/cooling part of my electrical use spreadsheet! Total bill for a total electric house...
by BigFoot48
Wed Jan 21, 2015 3:04 pm
 
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 66
Views: 4059

Re: Retirement in Arizona - Seeking Advice

We've lived in Scottsdale (11 years), Tucson (13 years) and rural SE Arizona east of Benson (4 years - much too rural!) and visit Sun City West frequently, and like Tucson the best now (although Scottsdale in the 1980's was wonderful). The Sun Cities have some nice houses and lots of retail and serv...
by BigFoot48
Wed Jan 21, 2015 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 66
Views: 4059

Re: Microsoft Money Plus Sunset

Here's the PocketSense script website that allows downloading of on-line data (some, at least) into Microsoft Money Sunset. I see it was last updated in September so it's still being actively maintained. https://sites.google.com/site/pocketsense/home/msmoneyfixp1 Hmm, I didn't find it in the Wiki. I...
by BigFoot48
Tue Jan 20, 2015 7:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Microsoft Money Plus Sunset
Replies: 12
Views: 1298

Re: Microsoft Money Plus Sunset

I use it on Win7 and 8. I grabbed it soon after it was made available and it read my existing MM files just fine. I mainly use it for tracking recurring bills, income and expenses, and providing tax and expense reports. I use Pocketsense Updater to price my mutual funds monthly, but don't really use...
by BigFoot48
Tue Jan 20, 2015 5:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Microsoft Money Plus Sunset
Replies: 12
Views: 1298

Re: RMD withdrawals.

My mother-in-law's IRA only has bonds and bond funds in it so I've never been concerned about market changes influencing the timing. My father-in-law died in November and the RMD he had scheduled for December was made automatically while the IRA was still in his name, and we transferred the IRA to h...
by BigFoot48
Tue Jan 20, 2015 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD withdrawals.
Replies: 38
Views: 2547

Re: Net Worth Survey, 2015 Edition

CloveLeaf wrote:Is there any way to update my input? Accidentally put in a wrong number....

PM bobblehead or me with the line number to correct or delete, or just re-input and consider your incorrect entry just "noise".
by BigFoot48
Sat Jan 17, 2015 12:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 132
Views: 21798

Re: Retiree Portfolio Model

I like the new macro to copy current results to the hold locations on the main page. One thing that would be nice is if it could also copy the current description for the case to the comment area as well. Thanks for a great tool! Glad you like it. Well, there's limited room there for the model desc...
by BigFoot48
Fri Jan 16, 2015 2:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 162
Views: 43086

Re: Retiree Portfolio Model

I started playing with the RA options on the SS section, and I'm not sure if I am not understanding the approach correctly or not. Here's my situation I was trying to model: 1) I plan on deferring my benefits to age 70 2) Spouse plans to file for her benefits at age 62 3) At age 66, I would do RA f...
by BigFoot48
Fri Jan 16, 2015 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 162
Views: 43086

Re: Free (or REALLY cheap) image hosting?

I use Photobucket for posting images on forums that don't support uploading photos. I also have stored some personal photos on there for viewing remotely (a pre-tablet/smartphone habit). Well, a few days ago a helpful BH PM'd me with the revelation that he could go from my posted images here into al...
by BigFoot48
Thu Jan 15, 2015 10:12 am
 
Forum: Personal Consumer Issues
Topic: Free (or REALLY cheap) image hosting?
Replies: 20
Views: 1416

Re: How much in I bonds do you own?

I have $30,000 worth and plan to close it out this year as I don't hold any long-term investment below 5% of my portfolio total and have concluded, by doing some simple math, that this one fits that criteria. One less thing to track.
by BigFoot48
Tue Jan 13, 2015 1:57 pm
 
Forum: Investing - Theory, News & General
Topic: How much in I bonds do you own?
Replies: 29
Views: 3097

Re: Net Worth Survey, 2015 Edition

Aptenodytes wrote: I tend to do something like the following, which groups people by decade and plots the mean and 95% range. For me, it is easier to get a quick sense of the relationship in this manner. Others would find this visualization to obscure too much.

Excellent!
by BigFoot48
Tue Jan 13, 2015 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 132
Views: 21798

Re: Net Worth Survey, 2015 Edition

The curve has been bent. I found the options for the trendline settings and have selected the polynomial, second order, as recommended and here is an updated chart with all entries (some at the upper and lower maximums). http://i164.photobucket.com/albums/u7/Bigfoot48/Bogleheads/NetWorthSurvey20156....
by BigFoot48
Tue Jan 13, 2015 8:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 132
Views: 21798

Re: Net Worth Survey, 2015 Edition

Candor wrote:I'm assuming the graphs aren't taking into account the number adults in the household?

Correct. Just the raw data from the table.
by BigFoot48
Sun Jan 11, 2015 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 132
Views: 21798

Re: Net Worth Survey, 2015 Edition

Bogglehead deserves all the praise for this. I merely contribute a little technical help and do the charts with Excel. I'm glad people find them interesting and appreciate the suggestions for improving them. Try using a higher order curve-fit. Don't see that option in Excel 2003 or Libre Calc but wi...
by BigFoot48
Sun Jan 11, 2015 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 132
Views: 21798

Re: Net Worth Survey, 2015 Edition

All current entries excluding the $50M outlier.

Image
by BigFoot48
Sun Jan 11, 2015 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 132
Views: 21798

Re: Garage door openers - recommended brand, model?

Chamberlain belt-drive self-installed to replace a 15-year old Craftsman that failed. Very quiet and came with exterior keypad which is handy and open-door monitor that didn't work very well.
by BigFoot48
Sun Jan 11, 2015 10:50 am
 
Forum: Personal Consumer Issues
Topic: Garage door openers - recommended brand, model?
Replies: 13
Views: 1194

Re: Net Worth Survey, 2015 Edition

I think a linear plot is more appropriate, as I think a log plot is useful when exponential functions are involved - such as the effects of compound interest (retirement savings). We posted at nearly the same time. See my comments about the statistical density plots and data exclusions. Chart with ...
by BigFoot48
Sun Jan 11, 2015 9:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 132
Views: 21798

Re: Net Worth Survey, 2015 Edition

The non-log version of the chart. Which do people prefer? I have excluded the low and negative net worths, and the large ones to keep the chart format more readable (the $50M entry would be very lonely). http://i164.photobucket.com/albums/u7/Bigfoot48/Bogleheads/NetWorthSurvey20152.png
by BigFoot48
Sun Jan 11, 2015 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 132
Views: 21798

Re: Net Worth Survey, 2015 Edition

Chart of net worth before SS and pensions as of this morning.

Image
by BigFoot48
Sun Jan 11, 2015 9:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 132
Views: 21798

Re: Do you keep manuals/packaging for products you buy?

I just threw into the recycle bin the packaging and manual for XP that I bought in 2001. How's that for resolve! As for new stuff, I try to d/l the PDF as its easier to find on my computer than in the file of manuals going back into the 1970's, but rarely throw away the tree-version until I get rid ...
by BigFoot48
Mon Jan 05, 2015 10:28 am
 
Forum: Personal Consumer Issues
Topic: Do you keep manuals/packaging for products you buy?
Replies: 34
Views: 2046

Re: Retiree Portfolio Model

I found a macro that works: How to auto-size comment box to fit its content in Excel? I tried that one and it appears to work, with the only downside being that it ignores existing line breaks resulting in really long comments. I spend a lot of time fixing comment sizing so I may add that to the em...
by BigFoot48
Sun Jan 04, 2015 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 162
Views: 43086

Re: Retiree Portfolio Model

Thanks Chris. I went through and made sure all the cell comment boxes were displayed properly on the Setup page while doing this release, and most of the comments on the other pages, so I'm puzzled at what you are seeing. I assume you are not changing the Excel zoom which should be 80% on the Setup ...
by BigFoot48
Sun Jan 04, 2015 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 162
Views: 43086

Re: Retiree Portfolio Model

Can I model that? When I set this up how I thought it should be, I see that it looks like everything works up to age 70. At 70, the spreadsheet shows my benefit level, but my spouse still is getting just her benefit, rather than my spousal benefit. You can now if you download it again. Thanks for r...
by BigFoot48
Sun Jan 04, 2015 10:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 162
Views: 43086

Re: Net Worth Survey, 2015 Edition

Or, "Rate your happiness on a scale of 1 to 10 (whole numbers only)".
by BigFoot48
Fri Jan 02, 2015 8:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 132
Views: 21798

Re: Net Worth Survey, 2015 Edition

bobblehead wrote:New tab added called Summary!

Column H is predicted Net Worth by Age
Column I is predicted Portfolio value by Age

Great addition! Glad to see I'm not an outlier in my peer age group (so far).
by BigFoot48
Fri Jan 02, 2015 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 132
Views: 21798

Re: H&R Block Tax Software - Low Prices at Amazon

SuperGrafx wrote:Quick question
The $22 Amazon version...do they send you a download code via email or is it inside the retail box?

I'm asking because my Surface Pro lacks a CD/DVD drive to install software the traditional way.

They sent an email with the code within seconds.
by BigFoot48
Fri Jan 02, 2015 4:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software - Low Prices at Amazon
Replies: 38
Views: 2282

Re: H&R Block Tax Software - Low Prices at Amazon

I was going to go with TaxACT this year from the auto-import of TurboTax return data swayed me over, along with the low price. DId the set up and initial question section and like it! Bye bye TurboTax, thanks for all the returns!
by BigFoot48
Fri Jan 02, 2015 2:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software - Low Prices at Amazon
Replies: 38
Views: 2282

Re: [Annual POLL] What was your 2014 return?

My 42%/68% was up 8.0% (Coffeehouse portfolio) and my 88-YO MIL's 25%/75% (almost 3-Fund) that I manage for her was up 6.3%, both per XIRR. A good year to remember when the bad year happens.
by BigFoot48
Fri Jan 02, 2015 11:44 am
 
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 14062

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2123.58 (pi theorem)
by BigFoot48
Thu Jan 01, 2015 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19721

Re: Retiree Portfolio Model

A new version of the Retiree Portfolio Model is now available for download. Version 15.0 includes many improvements and all users should upgrade. It calculates and displays results much like the previous version but the Setup page format has been improved and instructions and cell help comments have...
by BigFoot48
Thu Jan 01, 2015 8:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 162
Views: 43086

Re: [Poll] What's Your Tax Prep Strategy?

I downloaded the free version of TaxAct and it looks like it will serve my needs very well, although it did not import via PDF the 2013 data from TurboTax, possibly because there were so many non-form pages in the PDF file. So inputting those numbers will be a little extra work. It will be $28 vs $5...
by BigFoot48
Wed Dec 31, 2014 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] What's Your Tax Prep Strategy?
Replies: 70
Views: 5015

Re: When to sell, December or January?

Personally, I would not try to time the market and just sell them to get it off the to-do list in case a meteor hits me, as the wife doesn't have managing our investments one of her interests.
by BigFoot48
Mon Dec 29, 2014 10:09 am
 
Forum: Investing - Help with Personal Investments
Topic: When to sell, December or January?
Replies: 16
Views: 1608

Re: Poll: Total cost of 2-yr cell phone ownership?

The great 4.5" LG41 smartphone I just bought for my Tracfone service is $119. It has ALL the bells and whistles that an Android phone can offer. Triple minutes too! http://www.amazon.com/Ultimate-Android-Prepaid-Minutes-Tracfone/dp/B00PG0D3GW/ref=sr_1_1?ie=UTF8&qid=1419863750&sr=8-1&...
by BigFoot48
Mon Dec 29, 2014 9:39 am
 
Forum: Personal Consumer Issues
Topic: Poll: Total cost of 2-yr cell phone ownership?
Replies: 54
Views: 3163

Re: [Poll] What's Your Tax Prep Strategy?

So I was all prepared to buy TurboTax as I did in all the the past 10+ years, as Costco has Premium on sale for $15 off, making it about $55, when I decided to check Amazon and see what they sell it for. It is $70 there, but then I started reading all the comments from users complaining about the pr...
by BigFoot48
Sat Dec 27, 2014 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] What's Your Tax Prep Strategy?
Replies: 70
Views: 5015

Re: Retiree Poll:What is your current AA?

Mine is such that I'm ready for a 50% stock drop that history tells us will happen again.
by BigFoot48
Sat Dec 27, 2014 9:16 am
 
Forum: Investing - Theory, News & General
Topic: Retiree Poll:What is your current AA?
Replies: 85
Views: 6958

Re: Fire Advisor & Simplify Mom's portfolio for long term ca

IMHO as a retired spouse of a disabled person facing the cost of LTC I find this portfolio appalling. While an investment in Wellington may not be the absolute best I am sure it would be better than this hodge podge. I agree and find a elderly person with an adviser-selected portfolio like this unc...
by BigFoot48
Fri Dec 26, 2014 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fire Advisor & Simplify Mom's portfolio for long term care?
Replies: 11
Views: 1004

Re: What % of net worth is your home?

Examine the data in the 2014 Net Worth Survey to get about a 1,000 answers to the question. http://www.bogleheads.org/forum/viewtop ... 0&t=129842
by BigFoot48
Tue Dec 23, 2014 8:34 am
 
Forum: Personal Finance (Not Investing)
Topic: What % of net worth is your home?
Replies: 127
Views: 10748

Re: security camera outside away from a power source

I use rechargeable batteries in my game camera in my yard pointed at a ground "waterhole" and they typically last 2 weeks yielding 2,000 - 4,000 photos (lots of birds, once a man with no shirt!). A game cam would be a quick and cheap solution to try - just secure it high or hidden. I have ...
by BigFoot48
Fri Dec 19, 2014 3:24 pm
 
Forum: Personal Consumer Issues
Topic: security camera outside away from a power source
Replies: 18
Views: 1749

Re: Federal Taxes - Sticker Shock (And how to reduce)

I had one 10.9% year upon entering the real world of employment in 1973, and averaged 16.3% over my entire working career, so I don't see a big shock to be too concerned about at 11.3%, but agree maximizing tax avoidance devices is a good idea. (I do have to admit envying that salary though, never m...
by BigFoot48
Fri Dec 19, 2014 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Taxes - Sticker Shock (And how to reduce)
Replies: 58
Views: 5455

Re: Comcast's XFINITIWIFI

I noticed an XfinitiWifi hot spot in the parking lot of the nearby Walgreens. I also use Xfiniti/Comcast but have my own modem and router. I think it was a bad idea to have this turned on by default - do you really want strangers using your modem even if it is allegedly firewalled?
by BigFoot48
Sat Dec 13, 2014 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Comcast's XFINITIWIFI
Replies: 29
Views: 2386

Re: A puzzle about Social Security

If there's even a slight chance A&U might have to start keeping those funds for any reason I would go for starting at 62. She'll likely get the funds tax-free, and if smart will be investing them, so I think sooner is better anyway and it's a go for 62! (We started ours at 62 (pre "buy-an-a...
by BigFoot48
Wed Dec 10, 2014 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: A puzzle about Social Security
Replies: 46
Views: 3756

Re: Retiree Portfolio Model

But my wife also has a variable annuity that I'd like to be able to figure out how to include in the planning. What would be an appropriate way to model this, and possibly compare alternative options in terms of what I do with that annuity? I really like the inputs for the Roth conversion section w...
by BigFoot48
Wed Dec 10, 2014 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 162
Views: 43086
Next

Return to advanced search